HSBC's Personal Line of Credit New Notes Promotion Terms and Conditions

1. This promotion is only available to HSBC's existing personal line of credit customers ("Customer") during the promotional period of 9 January 2012 – 28 January 2012.

2. This promotion is not valid in conjunction with any other promotional interest rate offers (including any existing HSBC's personal line of credit fund transfer offers).

3. To participate in this promotion, Customer’s HSBC's personal line of credit account must be maintained in good standing or conducted in a proper and/or satisfactory manner (in each case as determined by HSBC at its sole discretion)

4. HSBC will issue the cash amount requested in the note denominations (i.e. S$2 notes; S$10 notes and/or S$50 notes) indicated in the package chosen by the Customer, subject to availability. HSBC may vary the number of notes per denomination to achieve the total amount of the package and the notes in the package may not be in running sequence.

5. Customer may select multiple packages available, with minimum cash amount of S$2000 and cash amounts not exceeding S$15,000, amounts within limit of Customer's personal line of credit account.

6. The cash will be available at Customer's preferred branch for collection 2 working days from date of request only to the account-holder and upon the provision of their identity card.

7. In the event where Customer does not collect the cash on the specified date, an SMS message will be sent to remind Customer of the collection.

8. Cash not collected at the branches (including cancellation of order) by 28 January 2012 will automatically be forfeited and Customer will be charged with an administration fee of S$30 which will be deducted from the customer's personal line of credit account.

9. Upon cash collection, the cash amount will be debited from the Customer's HSBC's personal line of credit account.

10. Customer is subjected to daily interest at HSBC's personal line of credit prevailing interest rate of 17.8% p.a., or a preferential interest rate granted at HSBC’s sole discretion to select customers (preferential interest rates are available online via HSBC's web site and are subject to change by HSBC at any time and from time to time).

11. One crystal dragon stand ("Gift") will be given out to the first 150 eligible account holders who have called in to HSBC Contact Centre to place the order. Each customer is entitled to only one Gift.

12. The Gift is available for redemption at the point of cash collection. [It is strictly on a while stocks last basis.]

13. The Gift is not exchangeable for cash or other item. HSBC may, at its sole discretion, substitute the Gift with an item of equal or similar value without prior notice.

14. HSBC will not be held responsible for the quality or merchantability of the Gift. Notwithstanding anything herein, HSBC will also not be held liable for any defect or malfunction in the Gift and/or for any loss, injury, damage or harm suffered or incurred by or in connection with the use of the Gift by any person.

15. HSBC reserves the right in its absolute discretion to vary, delete or add to any of these terms and conditions, or change or withdraw this promotion, at any time without giving any reason or prior notice.

16. In the event of any dispute, HSBC's decision shall be final and no further correspondence will be entertained.

17. The terms and conditions contained herein are in addition to the HSBC's Personal Line of Credit Terms and Conditions, which shall continue to apply.